Your search for personal financial advice ends here.

James & James provide the answers to life’s tough financial questions

About Us

James & James Financial Services Ltd is a well-established family business that understands family values.

Collectively our team has over 115 years of experience in the financial services industry and are directly authorised and regulated by the Financial Conduct Authority.

Our friendly team are just a phone call, email or meeting away and look forward to hearing from you and helping in any way that we can.

I doesn’t matter whether you want an ongoing relationship or want to talk to us about an isolated matter, we will we always have your best interests at heart.

Jim Curtis

Managing Director

Jim Curtis

Managing Director

James Whearity

Director

James Whearity

Director

Richard French

Financial Advisor

Richard French

Financial Advisor

Angie PA to Jim: angie@jandjadvisers.co.uk

Deb PA to James: deborah@jandjadvisers.co.uk

Hannah PA to Richard: hannah@jandjadvisers.co.uk

About You

It’s our ethos to do what’s right for you and focus on your needs and objectives whenever we offer advice. We’ll discuss our services and costs with you from the outset so that there will be no nasty surprises and we will not recommend anything that does not best suit your needs.

We know that we are achieving our goals of looking after clients because the majority of our work comes from returning clients and friends, family and colleagues that they refer us to.

What you can expect from our first meeting

Identify your needs and objectives

At our first meeting we will talk about your primary concerns and identify your needs and objectives. We will also explain how we work with you to help you realise your objectives and how our fees work.

What this means for You

Know where you stand, the costs involved and how you can expect to benefit from working with us

Gather information

Having decided that you would like us to work together, we will help you to clarify your needs and objectives in detail and gather information to provide a comprehensive picture of where you are now and where you want to be.

Discover what’s important to you and feel confident that your aspirations are understood

Prepare an analysis

Using our extensive knowledge and experience we will conduct our research and analysis and identify any areas that need to be developed or acted upon. At this point we will look at possible solutions in line with your objectives.

Confidence that our knowledge and experience will allow us to comprehensively audit plans that you may already have and that our whole of market research will identify suitable strategies in line with your aspirations

Develop an action plan

We will report back our findings of your current financial position. By this point we will have identified any gaps that may be an obstacle to achieving your objectives and will make our recommendation of the possible solutions to bridging them.

At this point you will have a clear picture of where you are now and a defined action plan of what you need to do to get to where you want to be

How We Help

Investments Planning

You’ve worked hard to build your investments so it’s only fair that they work hard for you in return. Our expertise will quantify the risk you feel comfortable with and provide plans that meet that risk and aim to give returns in line with the level of risk.

Tax/Estate Planning

‘Inheritance Tax is a voluntary tax …!‘ –Lord Jenkins.Making sure that your estate passes to your beneficiaries in a timely manner and with the minimum tax charge.

Retirement Planning

Building assets are an essential of retirement planning, whether it be through pensions, ISA’s or property we will help you establish your retirement income need and the various ways you can accomplish it.

Financial Life Planning

By examining your income, expenditure, goals and ambition, we can forecast your wealth right up to your 100th birthday and beyond, allowing you to plan your life, retirement, estate and protection needs in detail.

Protection Planning

Protection is a vital part of any financial plan, it underpins what you value and what you aim to achieve. We give you peach of mind by helping you identify what’s important and how to protect those you love and the things you’ve worked hard for should the worst happen.

Business Planning

Protecting your key employees, shareholder protection, company pensions, employee benefits and property ownership, are all essential parts of business planning with which we can help.

Mortgages

Whether you’re a first time buyer, moving home or simply looking for a better deal, we can source the mortgage that’s right for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Trusts

“Right money, right hands, right time.” Making sure that your life assurance and assets are passed to your beneficiaries quickly and tax efficiently.

Ongoing Services

Foundation

Foundation is a reactive service that provides you with the same high level of care and advice as the other service levels but there is no ongoing charge.

You only engage us when you need to, a bit like Pay-as-you-go.

You have a menu of available services to choose from and the cost for each of those services is clearly identified so that you can tailor it to your needs.

Foundation does not include any ongoing advice from us and is completely dependent on you contacting us when you have identified any further issues that you want us to investigate.

This will be most suitable for you if you only require ad-hoc advice as and when you chose.

Premier

Premier is a proactive service from which you will benefit from our continued ongoing and professional service.

By engaging this service you will have the peace of mind that your plans and objectives are under regular review. We will work with you to make sure that your plans still dovetail with any changes in your circumstances or goals.

Annual meeting and review of policies for suitability and performance.

Annual valuation of all policies.

Residential mortgage review.

Reasonable phone and email communication. (fair use policy applies at the discretion of James & James)

Fund switching as required.

Changes to regular premiums/withdrawals for pensions and investments and ad-hoc investment withdrawals.

Completion/amendment of Trust Forms as required.

Wealth Management

The Wealth Management service allows us to work closely with you to analyse and quantify your financial goals and aspirations throughout your life. We will help you construct and implement a long term structured financial map.

Financial Life Planning. Designed to take into account all income and expenditure and to identify any financial pitfalls that may prevent you from achieving your medium and long term financial goals and to recommend ways to bridge or avoid them.

Wealth Management service automatically includes all of the Premier services of:

Unlimited meetings and phone and email communication. (fair use policy applies at the discretion of James & James)

IHT Planning & Will writing

What Others Say

Our Fee Scale

At James & James we are very transparent and open on all our fees and charges.

Because of the variety, complexity and differing needs of clients, your adviser will explain and discuss our charges with you when he has had an opportunity to discuss your needs with you.

Our fee scale is available on request.

Contact Us

To make sure that your enquiry is directed to the most appropriate adviser please complete the enquiry form

Enquiry Form

Your name *

Your E-mail *

Telephone

How can we help *

Please indicate your requirements and we will then contact you to discuss your enquiry in more detail.

Company Details

James & James Financial Advisers Ltd

35 Kingfisher RoadMountsorrelLoughboroughLeicestershireLE12 7FG

Tel: 0116 237 6650Email: hello@jandjadvisers.co.uk

James & James Financial Advisers Ltd is authorised and regulated by the Financial Conduct Authority

A summary of our internal complaints handling procedure is available on request and if you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567